Japan Post Bank Co., Ltd. · TSE:7182
Japan Post Bank — FY2022 Earnings Presentation
37 slides from Japan Post Bank's earnings presentation, May 15, 2023
Slide 1: BP p55 c8hiT
2023 3 2023 5 15 BP p55 c8hiT
Slide 2: P. 2 P.18 P. 3
P. 2 P.18 P. 3 P.19 P. 4 P.20 P. 5 P.21 P. 6 P.22 P. 7 P.24 P. 8 P.25 P. 9 P.27 P.10 P.28 P.29 2023 P.30 P.12 P.31 P.13 P.32 P.14 P.32 P.15 P.33 P.34 JP 7 ATM JP
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Slide 4: Summary of financial results
3,250 2022 101.5% 2021 2022 1 12,920 10,563 2,356 3,511 2 11,474 7,963 3,511 193 3 1,284 1,478 193 4 160 1,121 960 960 5 790 2,000 1,209 6 632 880 248 569 7 9,832 9,263 569 8 0 0 1,434 9 3,087 1,300 1,787 353 10 1,821 3,255 1,434 4,450 102.3% 11 4,908 4,555 353 3,200 101.5% 12 3,550 3,25
Slide 5: 2022 3,623 7,851 0.34% 2021 2022 1.2% 12,000 11,475 11,475 7,851 3,623
2022 3,623 7,851 0.34% 2021 2022 1.2% 12,000 11,475 11,475 7,851 3,623 13,697 12,324 1,373 10,161 1.0% 9,768 10,000 3,041 2,354 686 9,618 9,912 9,176 735 1 951 1,829 877 0.8% 7,851 8,000 2,222 4,472 2,250 0.6% 6,000 4,000 3,294 0.52% 2 0.49% 0.47% 3,000 0.45% 1 1,915 1,465 2,000 0.4% 0.34% 4,000
Slide 6: ATM KPI 2 NISA
2022 189 1,463 2021 2022 ATM 1,274 1,463 189 1,600 1,463 837 911 73 1,400 104 ATM 227 328 101 1,288 1,279 1,274 118 1 136 118 17 85 97 72 1,200 72 104 32 1,067 146 136 217 328 1,000 87 201 227 2021 2022 222 190 800 4,485 5,768 1,282 145 2,004 2,294 290 600 1,228 1,299 70 911 25,955 23,871 2,083 40
Slide 7: 2022 9,221 11,000 2021 2022 1,151 1,137 10,353 924 15 10,183 10,080 8,190
2022 569 9,221 11,000 2021 2022 1,151 1,137 13 10,353 940 924 15 10,183 10,080 8,190 7,729 460 10,000 9,790 3,532 3,400 131 2,370 2,307 63 9,221 553 275 278 9,000 449 354 94 9,790 9,221 569 2021 2025 2022 2025 0 8,000 2018 2019 2020 2021 2022 2020 845 550
Slide 8: 3.3 229.5 6.7 132.7 1.5 194.9 229.5 2022 194.9 .5 193.4
3.3 229.5 6.7 132.7 1.5 194.9 229.5 2022 194.9 200 189.5 193.4 183.0 132.7 150 87.5 101.3 112.2 119.6 194.9 38.1 78.3 100 50 95.2 88.1 81.0 96.7 24.9 75.2 6.5 5.6 0 9.6 2019 2020 2021 2022
Slide 9: 2022 38.1 78.3 2021 2022 % % 229.6 226.3 220.5 1,395,491 60.7 1,327,694
2022 38.1 78.3 250 2021 2022 % % 229.6 226.3 220.5 1,395,491 60.7 1,327,694 58.6 67,796 13.2 13.1 205.9 207.5 11.5 492,597 21.4 381,147 16.8 111,450 200 8.8 11.3 1 161,543 7.0 162,974 7.1 1,430 66.6 68.2 60.6 50.6 51.4 741,350 32.2 783,572 34.6 42,222 150 4.6 4.4 245,096 10.6 261,390 11.5 16,293 5
Slide 10: 2022 2,140 2022 4,006 6,146 2021 2022 1,227,204 20,021 1,127,660 11,173 8,847
2022 2,140 1 90 2022 12 4,006 6,146 2021 2022 1,227,204 20,021 1,127,660 11,173 8,847 1,168,921 16,730 1,062,012 12,161 4,568 342,855 857 230,721 4,238 5,095 227,011 14,842 223,652 14,761 80 495,344 823 521,102 1,840 1,016 103,709 207 86,536 201 409 8,529 13,060 4,531 58,282 11,819 65,647 12,072
Slide 11: Capital adequacy ratio
2022 15.53% Tier1 14.28% % % 30 2021 2022 91,993 92,244 251 591,060 593,951 2,891 565,455 569,382 3,926 20 15.80 15.56 15.53 0.03 15.58 15.53 15.56 15.53 % 10 10% 2021 2022 2021 2025 15.68 14.28 1.40 4% 14.23 14.01 0.22 0 2018 2019 2020 2021 2022
Slide 12: KPI
120 KPI 12 110 KPI 99.4 10.1 10 100 94.9 10 91.1 10.1 0.8 84.8 4.2 6.4 81.9 2.8 2.3 2.9 2.6 2.6 3.3 2.6 80 2.9 2.2 8 2.4 2.2 2.2 3.5 6.4 60 6 0.6 68.2 69.8 71.3 60.1 63.4 4.2 2.6 40 4 0.4 3.3 2.9 0.4 1.5 5.6 1.0 1.0 20 2 3.2 1.0 0.6 7.8 7.5 7.5 7.4 7.3 2.2 1.7 1.2 6.3 5.9 5.4 5.5 5.6 0 0 2018 2019 2
Slide 13: BP ps5 48ht7 [
2023 BP ps5 48ht7 [
Slide 14: Fiscal 2023 earnings forecast
2023 4,700 3,350 2023 1 2022 2022 2023 2022 2022 2023 2022 12 3 2 12,350 12,316 12,600 4 2022 12 1,430 1,478 1,530 2022 12 9,350 9,247 9,440 1 2 4,450 4,555 4,700 3 2022 12 4 3,200 3,250 3,350
Slide 15: 2022 2023 2021 2025 54.0% 2021 2025 2022 2023 2021 2025
2022 1 50 2023 1 2021 2025 50 54.0% 2021 2025 2022 2023 2021 2025 50 50 50% 50 60% 1 2021 1,834 1,808 57.5% 54.0%
Slide 16: IG HY
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Slide 18: Slide 18
Slide 19: BP ps5 48ht7 [
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Slide 20: 2021 2022 2021 2022 66,664,253 68,217,495 1,553,242 193,441,929 194,951,503 1,509,574 2,470,000 2,460,000 10,000 19,4…
2021 2022 2021 2022 66,664,253 68,217,495 1,553,242 193,441,929 194,951,503 1,509,574 2,470,000 2,460,000 10,000 19,461,646 18,316,621 1,145,024 9,861,753 9,788,452 73,300 1,514,438 1,941,872 427,434 250,241 250,241 5,603,600 1,632,600 3,971,000 397,301 478,286 80,985 697 1,411 714 11 19 8 2,124,933
Slide 21: 2021 2022 2021 2022 1,290,865 1,042,610 248,255 5,682 1,188 6,870 1,147,500 785,114 362,385 5,698
2021 2022 2021 2022 1,290,865 1,042,610 248,255 5,682 1,188 6,870 1,147,500 785,114 362,385 5,698 312 6,011 127,400 146,354 18,954 15 875 859 15,964 111,140 95,176 497,141 447,054 50,087 78,954 199,045 120,091 104,295 145,782 41,486 63,245 88,083 24,837 37,901 23,334 61,236 980,906 923,664 57,241 14
Slide 22: 2021 2022 402,257 276,171 126,085 446,743 307,787 138,956 4,191 235,493 68,698 44,486 31,615 12,871
2021 2022 402,257 276,171 126,085 446,743 307,787 138,956 304,191 235,493 68,698 44,486 31,615 12,871 2021 2022 745,243 508,942 236,300 991,619 925,669 65,949 991,228 917,648 73,580 246,376 416,726 170,350 2021 2022 1,147,500 785,114 362,385 1,369,747 1,232,408 137,338 222,246 447,294 225,047 1 2 20
Slide 23: % 2021 2022 0.63 0.56 0.06 0.57 0.65 0.07 0.10 0.21 0.10 0.05 0.09
% 2021 2022 0.63 0.56 0.06 0.57 0.65 0.07 0.10 0.21 0.10 0.05 0.09 0.14 0.52 0.34 0.17
Slide 24: % 2021 2022 211,342,025 446,743 0.21 210,210,806 307,787 0.14 0.06 4,620,369 10,120 0.21 5,179,919
% 2021 2022 211,342,025 446,743 0.21 210,210,806 307,787 0.14 0.06 4,620,369 10,120 0.21 5,179,919 9,589 0.18 0.03 69,451,545 341,824 0.49 63,733,361 272,085 0.42 0.06 60,361,005 29,872 0.04 63,294,696 27,549 0.04 0.00 204,529,496 44,486 0.02 204,217,396 31,615 0.01 0.00 192,386,838 20,984 0.01 194,
Slide 25: % 2021 2022 217,361,148 1,369,747 0.63 219,606,759 1,232,408 0.56 0.06 4,646,492 10,257 0.22 5,210,170
% 2021 2022 217,361,148 1,369,747 0.63 219,606,759 1,232,408 0.56 0.06 4,646,492 10,257 0.22 5,210,170 9,750 0.18 0.03 140,122,168 1,333,053 0.95 140,096,612 1,189,734 0.84 0.10 60,361,005 29,872 0.04 63,294,696 27,549 0.04 0.00 209,936,168 222,246 0.10 210,337,804 447,294 0.21 0.10 192,386,838 20,9
Slide 26: % 2021 2022 66,622,875 29.00 68,283,567 30.16 1,660,691 2,470,000 1.07 2,460,000 1.08 10,000 9,861,753
% 2021 2022 66,622,875 29.00 68,283,567 30.16 1,660,691 2,470,000 1.07 2,460,000 1.08 10,000 9,861,753 4.29 9,788,452 4.32 73,300 250,241 0.11 250,241 5,828,283 2.53 6,564,738 2.89 736,454 2,024,619 0.88 1,857,660 0.82 166,959 1,406,103 0.61 1,270,609 0.56 135,494 139,549,103 60.75 132,769,420 58.64
Slide 27: 2021 2022 14,974,212 31,393 15,042,583 236,650 68,371 205,257 2,746,510 11,848 3,581,661 26,442 835,151 14,594
2021 2022 14,974,212 31,393 15,042,583 236,650 68,371 205,257 2,746,510 11,848 3,581,661 26,442 835,151 14,594 3,540,039 12,623 4,655,700 33,719 1,115,660 21,096 1,808,495 80 3,773,727 8,507 1,965,231 8,587 1,808,495 80 3,773,727 8,507 1,965,231 8,587 23,069,257 55,784 27,053,673 305,320 3,984,415 2
Slide 28: 2021 2022 5,828,283 1,181,977 6,564,738 1,207,209 736,454 ,232 2,024,619 1,202,212 1,857,660 1,104,910 166,959 97,301
2021 2022 5,828,283 1,181,977 6,564,738 1,207,209 736,454 25,232 2,024,619 1,202,212 1,857,660 1,104,910 166,959 97,301 1,406,103 28,340 1,270,609 58,856 135,494 30,515 1 2 2022 3,195 2021 1,955 2021 2022 7,427,585 67,703 8,888,437 47,645 1,460,851 20,057 8,654,075 711,381 9,189,575 855,658 535,500
Slide 29: % 2021 2022 115,104 11.75 113,767 12.33 1,336 94,057 9.60 ,479 10.02 1,577 21,047
% 2021 2022 115,104 11.75 113,767 12.33 1,336 94,057 9.60 92,479 10.02 1,577 21,047 2.14 21,288 2.30 240 819,027 83.65 772,942 83.81 46,085 353,214 36.07 340,055 36.87 13,159 237,040 24.21 230,710 25.01 6,329 55,381 5.65 27,514 2.98 27,867 10,914 1.11 10,778 1.16 135 66,010 6.74 66,702 7.23 691 37,6
Slide 30: % 2021 2022 4,415,145 100.00 5,571,866 100.00 1,156,720 92,847 2.10 114,676 2.05 21,828 130,030
% 2021 2022 4,415,145 100.00 5,571,866 100.00 1,156,720 92,847 2.10 114,676 2.05 21,828 130,030 2.94 98,563 1.76 31,466 18,836 0.42 38,585 0.69 19,748 606,744 13.74 477,763 8.57 128,980 96,815 2.19 113,654 2.03 16,839 81,943 1.85 74,825 1.34 7,118 3,304,344 74.84 4,573,378 82.07 1,269,033 83,582 1.8
Slide 31: % 2021 2022 112,254,409 58.03 119,611,343 61.35 7,356,934 ,749,849 5.55 12,710,600 6.51 1,960,751 100,805,356
% 2021 2022 112,254,409 58.03 119,611,343 61.35 7,356,934 10,749,849 5.55 12,710,600 6.51 1,960,751 100,805,356 52.11 106,132,120 54.44 5,326,764 699,203 0.36 768,622 0.39 69,418 81,022,589 41.88 75,217,326 38.58 5,805,262 4,352,435 2.24 3,307,143 1.69 1,045,292 76,670,153 39.63 71,910,183 36.88 4,7
Slide 32: 2021 2022 134,747 134,713 5,505 4,089 1,415 40,355 138,375 1,979 2021 2022 5,845 6,115
2021 2022 134,747 134,713 34 102 427 530 5,505 4,089 1,415 140,355 138,375 1,979 2021 2022 5,845 6,115 269 6,737 6,676 60 934 942 8 428 217 211 1,415 1,415 18 129 111 % 2021 2022 0.7 0.7
Slide 33: 2021 2022 339,219 377,403 38,184 42,983 42,377 2,759 5,354 2,595 240,093 277,262 37,169 18,011
2021 2022 339,219 377,403 38,184 0 0 0 42,983 42,377 606 2,759 5,354 2,595 240,093 277,262 37,169 18,011 16,738 1,273 7,011 5,918 1,093 3,073 3,614 540 25,285 26,137 852 643,204 351,158 292,046 613,725 343,998 269,727 29,479 7,160 22,319 303,985 26,245 330,230
Slide 34: % 2021 2022 4,658,094 5,731,893 1,073,799 4,658,094 5,731,893 1,073,799 0.00 0.00 0.00 2021 2022
% 2021 2022 0 0 0 0 0 0 4,658,094 5,731,893 1,073,799 4,658,094 5,731,893 1,073,799 0.00 0.00 0.00 2021 2022 1,054 1,033 21 289 273 16 764 759 5
Slide 35: % 2021 2022 9,225,082 9,272,542 47,460 37,024 55,580 18,556 9,188,057 9,216,961 28,903 59,089,525 59,383,662
% 2021 2022 9,225,082 9,272,542 47,460 37,024 55,580 18,556 9,188,057 9,216,961 28,903 59,089,525 59,383,662 294,136 56,529,128 56,934,898 405,770 8 2,560,397 2,448,764 111,633 8 15.54 15.52 0.02 % 2021 2022 9,236,562 9,280,410 43,847 37,256 56,003 18,747 9,199,306 9,224,407 25,100 59,106,048 59,395
Slide 36: SPE, RMBS, CLO
SPE 2021 2022 RMBS 1,317,081 4,358 1,274,002 11,695 331,835 4,374 350,366 10,365 985,245 8,733 923,635 1,330 CLO 236,597 156 288,156 111 CMBS CDO 735 19 561 11 1,554,414 4,220 1,562,720 11,795 RMBS 38,004 5,782 27,906 3,161 CLO 1,602,388 168,008 2,326,005 293,625 681,912 62,584 1,408,606 106,062 920
Slide 37: BP ps5 48ht7 I
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